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For drivers with bad credit in Arkansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Arkansas.
| Carrier | |
|---|---|
 Direct Auto | $145/mo |
 Dairyland Insurance | $155/mo |
 Jupiter Auto | $167/mo |
 Safeco Insurance | $177/mo |
 Hallmark Insurance Company | $190/mo |
 Nationwide | $200/mo |
 Liberty Mutual | $213/mo |
 American Family Insurance | $221/mo |
 Midvale Home & Auto | $229/mo |
 The General | $244/mo |
Having bad credit can limit your ability to borrow money. It also helps determine how much you pay for car insurance. There are a few states that prohibit car insurance companies from taking a driver's credit history into account when determining rates, but Arkansas is not one of them. Drivers with bad credit in Arkansas can expect a credit check when they attempt to get car insurance. A poor credit score won't prevent you from getting coverage, but it may force you to pay more for it.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
Drivers with bad credit pay a little less than three percent more on car insurance than average in Arkansas. Insurers will look at factors such as your total debt and payment history to determine your insurance credit score and your risk level, according to the Insurance Information Institute. Car insurance companies do this to calculate the chances that you will file a future claim. Your insurance credit score is just a portion of what determines your car insurance rate. Your driving record and claims history also factor into how much you pay.
Although drivers with bad credit in Arkansas don't pay that much more for car insurance, it's still worth maintaining good credit to keep your costs low.
There are car insurance companies that won't check your credit as you try to get coverage. It's not always the best idea to buy a policy from one of these companies, however. The trade-off for not going through a credit check is you may end up paying more for your car insurance than you would with a standard car insurance company. It might be worth it to go through the credit check if it means paying less for your car insurance.
Whether you wind up with a policy with or without a credit check, get quotes from multiple companies to help you find the best price.
Drivers with excellent credit pay the least per month for car insurance in Arkansas, as expected. What's more surprising is just $1 separates the average monthly car insurance cost for Arkansas drivers with good and average credit.
| Credit Tier | |
|---|---|
| Excellent | $188 |
| Good | $210 |
| Average | $211 |
| Poor | $229 |
Arkansas drivers with bad credit will find that car insurance isn't inexpensive, regardless of where they live. Fort Smith has one of the lowest average monthly insurance rates at $157. Jonesboro's average monthly insurance rate for drivers with poor credit is a little less than $200, and rates go up from there.
| City | Credit Tier | |
|---|---|---|
| Little Rock | Poor | $243 |
| Hot Springs National Park | Poor | $210 |
| Fort Smith | Poor | $158 |
| Jonesboro | Poor | $194 |
| North Little Rock | Poor | $234 |
| Benton | Poor | $232 |
Insurance prices and policies can vary significantly between companies, and a state like Arkansas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
